Theoretical aspects of modern ecosystems of the financial sector of the economy
Keywords:
bank, ecosystem, competition, efficiency, globalizationAbstract
The purpose of the article is the study of the economic category ecosystem, taking into account the increasing globalization processes, the enlargement of the scale of economic processes and the simplification of economic transactions.
Material and methods. The theoretical basis of the study was the work of domestic and foreign authors on the topic of the ecosystem in general and the ecosystem of the bank in particular. The following methods were used: synthesis, generalization, comparison.
Results. During the study of the ecosystem, the author clearly identified the signs that distinguish the bank's ecosystem from the ecosystem of a company/ corporation, defined the functions of the bank's ecosystem and identified the most successful ecosystems that can serve as an example for the development of Belarusian ecosystems. At the same time, the author pays great attention to the ecosystems of banks, which can concentrate a huge number of participants on their platform, ensure the financial security of the ecosystem and the secrecy of a huge amount of information. In addition, in the Republic of Belarus, it is banks that actively use new financial technologies and digital tools in their activities. All this, according to the author, will inevitably lead to the creation of ecosystems of banks that will act as agents for coordinating and regulating their systems.
Conclusion. Currently, it is the ecosystem that will be the next step in the development of the economy. The active consolidation of various business entities in the banking space using a single digital platform will determine the next stage of banking development and transform the country's economy as a whole. The presented theoretical material is intended to serve the development of the concept of ecosystem, in particular the ecosystem of the bank, taking into account the distinctive features highlighted by the author; the development of an ecosystem theory that will include the functions outlined in the article; and also propose a model for building the architecture of the bank's ecosystem, and in the future determine the choice of methods and methods for assessing its safe functioning. The formation of ecosystem theory is the foundation for the implementation of ecosystem business models and the creation of ecosystem banks in practice.
References
Tansley, A.G. The Use and Abuse of Vegetational Terms and Concepts // Ecology. – 1935. – Vol. 16 (3). – P. 284-307.
Кукушкин, С. Н. Планирование деятельности организации в экономике знаний / С. Н. Кукушкин // Вестник Российского экономического университета имени Г.В. Плеханова. – 2019. – № 4 (106). – С. 32-39.
Желиба, Б. Н. Формирование экосистемы банка с учетом обеспечения ее безопасности / Б. Н. Желиба, Д. А. Панков, И. А. Пригодич // Бухгалтерский учет и анализ : научно-практический журнал. – 2023. – № 11 (323). – С. 29–35.
К 2025 году около 30% корпоративного дохода в мире будут генерировать цифровые бизнес-экосистемы // Business FM Санкт-Петербург. 07.06.2021. [Электронный ресурс]. Режим доступа: https://bfmspb.ru/novosti/k-2025-godu-okolo-30-korporativnogo-doxoda-v-mire-budut-generirovat-czifrovyie-biznes-ekosistemyi. – Дата доступа: 12.03.2024.
References
Tansley A.G. The Use and Abuse of Vegetational Terms and Concepts. Ecology. 1935. Vol. 16 (3), pp. 284-307. (in English)
Kukushkin S.N. Planirovanie deyatelnosti organizacii v ekonomike znanij [Planning the activities of an organization in the knowledge economy]. Vestnik Rossijskogo ekonomicheskogo universiteta imeni G.V. Plehanova [Bulletin of the Plekhanov Russian University of Economics]. 2019, no. 4 (106), pp. 32-39. (in Russian)
Zheliba B.N., Pankov D.A. Prigodich I.A. Formirovanie ekosistemy banka s uchetom obespecheniya ee bezopasnosti [Formation of the ecosystem of the bank, taking into account its security] Buhgalterskij uchet i analiz : nauchno-prakticheskij zhurnal [Accounting and analysis : scientific and practical journal]. 2023, no. 11 (323), pp. 29-35. (in Russian)
K 2025 godu okolo 30% korporativnogo dohoda v mire budut generirovat cifrovye biznes-ekosistemy [By 2025, around 30% of corporate income in Mir will be generated by cifrovyye biz-ekosystemy] Business FM St. Petersburg. 07.06.2021. [Business FM Sankt-Peterburg. 07.06.2021.]. (in Russian). Available at: https://bfmspb.ru/novosti/k-2025-godu-okolo-30-korporativnogo-doxoda-v-mire-budut-generirovat-czifrovyie-biznes-ekosistemyi. (accessed: 12.03.2024).
Downloads
Published
How to Cite
Issue
Section
License
he author provides the Editorial Board of the journal for the entire duration of the exclusive rights to the Work the following rights:
1. the right to reproduce the Work (publication, publication, duplication, duplication or other reproduction of the Work) without restriction of copies. In addition, each copy of the Work must contain the name of the author of the Work;
2. the right to distribute the Work in any way;
3. the right to be included in the composite work;
4. the right to be communicated to the public;
5. the use of metadata (title, name of the author (copyright holder), annotations, bibliographic materials, etc.) of the Works by distributing and making available to the public, processing and systematization, as well as inclusion in various databases and information systems.
6. the right to transfer, on a contractual basis, the rights partially or fully obtained under this contract to third parties without payment to the Author of remuneration.
The author transfers the rights to the Editorial Board under this Agreement on the basis of a non-exclusive license.
The editorial staff is obliged to observe the copyrights provided for by the current legislation, the rights of the Author, as well as to protect them and take all possible measures to prevent copyright infringement by third parties.
The territory in which the use of rights to the Works is allowed is not limited.
The author also provides the Editorial Board with the right to store and process the following personal data with no time limit:
• Full Name;
• Date of Birth;
• education information;
• information about the place of work and position;
• information on the availability of published works of literature, science and art.
Personal data are provided for their storage and processing in various databases and information systems, their inclusion in analytical and statistical reporting, the creation of reasonable interrelationships of objects of science, literature and art with personal data, etc.
The editorial board has the right to transfer the specified data for processing and storage to third parties, subject to notification of such a fact with the provision of information about a third party (name and address) to the Author.
The withdrawal of consent to the storage and processing of personal data is made by the Author by sending a written notice to the Editorial Board.
The author and the Editorial Board of the journal bear, according to the current legislation of the Republic of Belarus, property and other legal responsibility for non-fulfillment or improper fulfillment of their obligations.
The Party that improperly performed or did not fulfill its obligations is obliged to indemnify the losses incurred by the other Party, including lost profits.
All disputes and disagreements of the Parties arising from the terms of this Agreement shall be settled by negotiation, and if they fail, the indicated disputes shall be settled in court in accordance with the current legislation of the Republic of Belarus.
The termination of this agreement is possible at any time by mutual consent of the Parties, with the obligatory signing of the relevant agreement by the Parties.
Termination of this agreement unilaterally is possible in cases stipulated by the current legislation, or by a court decision.
In all that is not provided by this agreement, the Parties are guided by the norms of the current legislation of the Republic of Belarus.
